Mekar Funder Portal Peer-to-Peer Lending Marketplace
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Individual Loans

Characterizing a financial transaction where individuals borrow funds directly from other participants, sidelining traditional financial institutions like banks or credit unions, these loans emphasize rapid disbursement, diverging from standard lending processes, and facilitating borrower-lender engagements through our platform.

Requirements

When applying for a loan, you need to provide personal information such as your name, address, ID card number, and other relevant details.

To ensure approval of your loan, we need to verify the health of your finances. You can attach details of your income, expenses, employment status, and other pertinent information.

You must provide assets or collateral to secure the loan you will receive. Please include information about the collateral, its value, and any other relevant details.

Institutional Loans

Institutional loans are tailored to meet the specific needs of the borrower, whether it's to sustain day-to-day operations, accelerate growth initiatives, or execute strategic plans. This type of loan offers favorable terms with low interest rates and may involve collateral, depending on the terms negotiated between the parties involved.

Requirements

When applying for a loan, you need to provide personal information such as your name, address, ID card number, and other relevant details.

To ensure approval of your loan, we need to verify the health of your finances. You can attach details of your income, expenses, employment status, and other pertinent information.

You must provide assets or collateral to secure the loan you will receive. Please include information about the collateral, its value, and any other relevant details.

Invoice Financing

Utilizing Invoice Financing empowers you to borrow up to 80% of your company's current invoice values. Say farewell to worries about delayed client payments or projects being put on hold due to insufficient funds. This solution ensures smooth business operations, allowing you to maintain momentum without cash flow constraints.

Requirements

When applying for a loan, you need to provide personal information such as your name, address, ID card number, and other relevant details.

To ensure approval of your loan, we need to verify the health of your finances. You can attach details of your income, expenses, employment status, and other pertinent information.

You must provide assets or collateral to secure the loan you will receive. Please include information about the collateral, its value, and any other relevant details.

Our Cooperative Loans Offer The Following Benefits

  • Simpler credit requirements

  • Hassle-free credit approval process

  • Interest rates starting from 1.5% flat per month

  • 24/7 customer support

  • The range of loan tenures varies up to 60 months

How It Works

Registration :

Register an account on mekar.id . Our system will connect you with lenders for approval

Submit :

Provide the desired loan values

Funded :

Upon approval by the system, you can immediately disburse your loan funds

Sign :

Sign an agreement with MEKAR regarding your loan, which typically includes details such as loan amount, loan duration, and other relevant terms.

Repayment :

When it comes to loan repayment, you can utilize the maturity indicators accessible on our website as well as those specified in the agreement with MEKAR

Lending Forecast

Submission Simulation

Funding Result

- Sold Date
-
- Maturity Date
- Principal (Month)
- Interest (Month)
- Installment (Month)

Repayment Detail

Installment of Due date Principal Interest** Installment Outstanding
1 05 March 2024 john@example.com John Doe john@example.com

* The calculation is only a simulation. For more detail, please contact Mekar.

** Interest before tax

Achieve Your Goals Faster - Get Started with an Individual Loan Today!

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DISCLAIMERS:

  1. Information Technology-Based Lending Service is a civil agreement between the Funder and the Lender. Therefore all risks incurred from the agreement shall be borne entirely by the respective parties.
  2. The credit risk or debt default shall be borne entirely by the Funder. No government body or authority will take responsibility for this default risk.
  3. The Organizer, under the consent of the respective users (the Funder and/or the Lender), accesses, gains, keeps, manages and/or uses the Users’ personal data (“Data Usage”) on or in the objects, electronic devices (including smartphones or cellphones), hardware or software, electronic documents, applications or electronic systems owned by or under the control of the Users, by informing the objective, boundaries and mechanism of the aforementioned Data Usage to the related Users before making the said agreement.
  4. The Funder with no knowledge and experience concerning lending is advised not to use this service.
  5. The Lender must take into account the interest rate of the loan and other costs incurred corresponding to his/her ability in repaying the loan.
  6. Every fraudulence will be recorded digitally in the cyberspace and will be accessible to the general public through social media.
  7. The User must read and fully understand this information before deciding to become a Funder or Lender.
  8. The Government, in this case represented by the Indonesian Financial Services Authority (OJK), shall not be held accountable of every violation or disobedience committed by the Funder or the Lender (whether it is intended or due to the User’s negligence) against the regulations, the agreement or the bond between the Organizer and the Funder and/or the Lender.
  9. Every lending transaction and activity or the agreement implementation concerning lending between or those involving the Organizer, the Funder and/or the Lender must be carried out through an escrow account and a virtual account as regulated in the Financial Authority Services Regulation Number 10/POJK.05/2022 about Information Technologi-Based Joint Funding Services, and any violation and disobedience of the regulation shall be considered as evidence of a violation of law committed by the Organizer. Therefore, the Organizer must bear any liability suffered by the Users as a direct result of the violation of law as mentioned above without reducing the rights of the Users that have suffered losses as stipulated in the Indonesian Civil Law.

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